✉️ Smart Money Bro Weekly Money Outlook

➡️ The full video breakdown is linked at the bottom — stay with me for the context you need for the week ahead.

1. The Big Story This Week: The Consumer Is Starting to Crack

Holiday spending looks “strong” in headlines — but the truth is people are buying less, paying more, and using more debt to cover the gap. This pressure is building across the entire economy… and it’s the early warning stage.

Why it matters for you:
When the consumer weakens, everything else follows — corporate earnings, hiring, confidence, and market stability.

2. Major Event This Week: The Federal Reserve Meets

The Fed holds its December FOMC meeting this week, and this is a big one.

The FED meets Tuesday, December 9, and Wednesday, December 10, 2025, for their final policy session of the year, with the interest rate decision announced Wednesday afternoon followed by a press conference with Chair Powell.

Here’s what matters:

The Fed has already ended Quantitative Tightening. For an easy-to-understand explanation of QT and QE click HERE
Markets want to know if rate cuts are coming — and when.
Any signal of worry from the Fed confirms exactly what we’re seeing on the ground:
The consumer is weakening, debt is rising, and spending is slowing.

Why it matters for you:
Whatever the Fed says this week will affect interest rates, credit card APRs, mortgage rates, the stock market, and the job market heading into 2026.

This meeting sets the tone for the first half of next year.

3. What to Watch (Macro Signals to Pay Attention To)

Holiday spending data: Look for units sold, not total dollars.
Credit usage spikes: BNPL + credit cards are at all-time highs.
Trump’s economic tone: Tougher trade & tariffs could push prices higher.
Quiet layoffs: Fewer hours, less overtime, hiring freezes — real income pressure.